It wasn't working because I didn't have 1 lucky charm... It clicked as soon as I read your post. I had a Luck0 entry in treasuretable.txt but I guess you can't have 0 lucky charm? Well you can, but it won't proc the drops it seems.
Modifying characters.txt so MaleHero and FemaleHero have 1 lucky charm worked. Don't think I will keep that change as I'd prefer to keep stats on par with base though.
I think that's all I needed - thank you very much for taking the time to guide me. Appreciated.
